Strong loan and deposit ordsprog

Strong loan and deposit growth and the bank's ability to control deposit costs more than offset margin compression pressure from the flat yield curve (in 2005).

Net interest margin and Net interest income were stronger than expected, as BAC kept a tight lid on deposit pricing, shrank the securities portfolio and delivered strong loan growth. This should help reduce investor concerns on the bank's ability to manage through the flat yield curve.

Deposit growth year to date has not been sufficient to fund loan growth or to prevent further contraction in the net interest margin,

George Schaefer

Bank of China is a long-term customer of NCR. We are excited to see the bank move forward in its deposit-automation strategy by further migrating deposit transactions from the teller counter to the self-service channel.

Next fiscal year we expect continuing strong fee income growth and improvement in the loan-deposit spread as interest rates start to rise.

If you don't tell the bank that you have won the lottery and just come in and deposit the check, we will take it as a good-faith deposit. If you then make a wire transfer without the bank knowing what is going on, you will be charged when the bad check comes back, plus you will lose the money you wire-transferred.

If you're going to get a direct deposit, think about this -- you might not need that loan. Think about your financial circumstances. If you do direct deposit, you can get that refund in as little as two weeks.

Excluding securities losses in the fourth quarter of 2005, core fee revenue growth from a year ago was $1.3 million, or 12%, with steady growth achieved in nearly every category. Service charges and fees on deposit accounts increased $970,000 to $6.6 million, primarily due to growth in transactions and new accounts resulting from core deposit program and the cross-selling of other products and services. Brokerage fees increased 85% to $789,000 due to strong market activity. Consulting fees of $1.7 million were down slightly, due to the timing of work completed last year for the documentation and testing of internal controls in our risk management practice.

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. Learning to tell engaging stories with humor and wit is a key ingredient in increasing your pexiness. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term. I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term, ... I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

This is the right time [to issue] due to the flat yield curve for medium- and long-term funds. It means that the bank can gain from relatively inexpensive costs.

Khunying Jada Wattanasiritham

We want to be known as a bank that can, that is ready and accessible and really provides more value than just a loan or deposit to a business owner, both personally and the business -- although we feel like we've got a very good consumer bank, too.

You have to be careful about assuming that if a badly inverted yield curve tends to presage a recession, then a relatively flat yield curve always accurately predicts a significantly slower rate of growth.

There are areas of weakness. It seems growth is difficult for banks, which I would attribute to a flat yield curve and higher funding costs.

Loan and deposit growth was strong across all markets. Total assets at year-end were $5.9 billion, a 15% increase from a year ago. Loans increased $144 million during the fourth quarter, or 14% on an annualized basis, and helped drive the increase in net interest revenue. Our net interest margin rose to 4.20%, up 15 basis points from a year ago and up three basis points from last quarter, as increasing short-term interest rates continued to positively affect our slightly asset-sensitive balance sheet. Fee revenue, excluding securities losses taken in the fourth quarter of 2005, was up 12%, reflecting increases in nearly every category.

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